Thanks all, I've had an email today thanking me for my registration and saying "Our first trial customer group is now full so your details have been added to the priority list for phase 2 and we will contact you as soon as we can welcome you into Noddle"

I've signed up for Noddle and looking through my credit report I have had insurance companies search it this month (I was taking out content insurance for a flat I'm moving in to). Thing is, I've had comparison sites and companies that I only got quotes from look through my file, does anyone know if this is normal? Will the amount of searches they have put in affect my credit rating?

I have had a Noddle account for a while now and think it is excellent. I don't see why I should have to pay to see my credit file so the idea of a free one is exactly what I wanted. Some people may argue that it is not as comprehensive as an Experian one for example but for the everyday person, it delivers what I need.

Mine identified an issue that I wasn't aware of and they helped me resolve it and get corrected on my report. I can't recommend Noddle enough.

The Following User Says Thank You to MoneyMousey For This Useful Post:
Show me >>

I joined Noddle today and I've already sent 12 errors to them. I can't believe I've been so slack in checking my report. Particularly as a debt from 2007 is still hovering around as being in default even though it was eaten up with my bankruptcy 5 years ago. So cross. At least I am more savvy now than I was then. Hopefully they can correct all of my errors.

I have a question though, if they do tidy up all the errors. Does this mean my rating will automatically improve? Or is it all more complicated than that?

I am by no means an expert, but from my own experience your credit rating will not automatically improve. Noddle will help to clear any errors but with a default on your account it will take time. You will need to have some sort of credit agreement that you are up to date with to prove that you are now managing your money and over time it will improve.

For example, on my own account I had a bill from T-Mobile which was an account that I closed 18 months ago. They claim I owed them £14 as a final payment, so for 18 months they have put a default on my account which has screwed my credit rating, just when I thought it should be improving. Noddle supplied me with the number to contact them and I made the payment. My credit file now shows that the account is settled but my rating is still very poor. Now I have a mobile phone contract and a credit card with a small limit that I pay off in full every month. Over time my rating will now go up, but without checking Noddle, T-Mobile would still be wrecking my credit rating without my knowledge.

The Following User Says Thank You to MoneyMousey For This Useful Post:
Show me >>

I am by no means an expert, but from my own experience your credit rating will not automatically improve. Noddle will help to clear any errors but with a default on your account it will take time. You will need to have some sort of credit agreement that you are up to date with to prove that you are now managing your money and over time it will improve.

For example, on my own account I had a bill from T-Mobile which was an account that I closed 18 months ago. They claim I owed them £14 as a final payment, so for 18 months they have put a default on my account which has screwed my credit rating, just when I thought it should be improving. Noddle supplied me with the number to contact them and I made the payment. My credit file now shows that the account is settled but my rating is still very poor. Now I have a mobile phone contract and a credit card with a small limit that I pay off in full every month. Over time my rating will now go up, but without checking Noddle, T-Mobile would still be wrecking my credit rating without my knowledge.

I see, thanks for that. Well, the first default was in 2007 so it should drop off next year. It's a rum do when you've made mistakes, done your best to sort things and people are still trying to screw you over. This time next year, there will be a lot of things dropping off my CF, will be interesting to see what happens then.

We have registered for both of us,
Mr has a 1/5 score which we expected as the defaults are in his name.
However
Mrs has a 2/5 score, with no defaults or late payments
she has 1 credit card which is 90% maxed but being paid off and has no ther credit arrangements,

Their balances are often a month or so out - they collect the data on a day when they are given it by the companies you have credit with, and simply give you their most up to date numbers when ever your credit report is re-produced each month.

I had a query today from a peer to peer company saying a forwarding address appears on my equifax credit rating. I looked and the 'free' offer from equifax, then found out about Noddle. Having registered with Noddle and received my report I could see why the query was raised. Thanks Noddle, I am a believer!

The Following User Says Thank You to johncsadler For This Useful Post:
Show me >>

Important! How this site works

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.

We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips).

We often link to other websites, but we can't be responsible for their content.

Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.